Pacific Alliance Bank

This is a bank that provides SBA loan programs to small and medium-sized businesses, helping them access funding for growth, equipment, and working capital needs. You can find personalized financial solutions and expert guidance tailored to your business goals.

It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-in consultations may also be available during business hours.

The bank's typical hours are Monday through Friday, 9:00 AM to 5:00 PM, but it is best to contact them directly for specific branch hours.

There are no fees for accessing basic consultation services, but loan applications and processing may involve standard SBA fees and closing costs.

This bank primarily serves local small businesses and residents in the San Gabriel area, but small business owners from broader regions can also apply.

A minimum personal credit score of around 640 is generally preferred, though higher scores improve approval chances.

The underwriting process typically takes 2 to 4 weeks, depending on the complexity of the loan and completeness of the application.

Most banks keep weekday business hours and are closed on weekends, and Pacific Alliance Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Pacific Alliance Bank to confirm current weekend availability before you go.

Pacific Alliance Bank is located in California — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Pacific Alliance Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Pacific Alliance Bank itself, which runs its own lending under its own ownership. If you work at Pacific Alliance Bank, you can claim this listing from this page to manage it.

The core details for Pacific Alliance Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Pacific Alliance Bank before applying. If you represent Pacific Alliance Bank, claim this listing to keep its information up to date.

You can reach Pacific Alliance Bank by phone at (626) 773-8888 or online at pacificalliancebank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Pacific Alliance Bank before relying on them.

Based on its approved SBA loans, Pacific Alliance Bank most often finances businesses in restaurants & food service, wholesale & distribution, general retail, hotels & lodging, manufacturing, and automotive repair & services. This reflects Pacific Alliance Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Pacific Alliance Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Pacific Alliance Bank participates in SBA Express depends on its specific SBA lending authority. Contact Pacific Alliance Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Pacific Alliance Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Pacific Alliance Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Pacific Alliance Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Pacific Alliance Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Pacific Alliance Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Pacific Alliance Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Pacific Alliance Bank weighs this case by case under its own policy, so be upfront about your history and ask Pacific Alliance Bank how it evaluates prior bankruptcies.